PERAN DAN TANGGUNG JAWAB BANK UMUM DALAM MENCEGAH TINDAK PIDANA PENCUCIAN UANG DAN PENDANAAN TERORISME SETELAH BERLAKUNYA PERATURAN BANK INDONESIA NOMER 11/28/PBI/2009

Musa Sinambela, Isharyanto, SH., MH.

2011 | Tesis | S2 Magister Hukum

Tujuan penelitian ini untuk mengetahui dan/atau mengkaji aturan-aturan hukum mengenai tindak Pidana Pencucian Uang dan penerapan Prinsip Mengenal Nasabah yang telah diubah dengan Anti Pencucian Uang (APU) dan Pencegahan Pendanaan Terorisme (PPT) dalam mencegah tindak pidana pencucian uang dan pendanaan terorisme pada Bank Umum dan meneliti bagaimana peran dan tanggungjawab bank umum dalam mencegah tindak pidana pencucian uang dan pendanaan terorisme serta bagaimana pertanggungjawaban bank umum terhadap perbuatan tindak pidana pencucian uang dan pendanaan terorisme yang dilakukan melalui transaksi perbankan. Penelitian ini menggunakan pendekatan normatif dengan meneliti undang-undang nomor 25 tahun 2003 tentang perubahan atas undang-undang nomor 15 tahun 2002 tentang Tindak Pidana Pencucian Uang dan Peraturan Bank Indonesia nomor 3/10/PBI/2001 tentang Penerapan Prinsip Mengenal Nasabah sebagaimana telah diubah dengan Peraturan Bank Indonesia nomor 11/28/PBI/2009 tentang penerapan Program Anti Pencucian Uang dan Pencegahan Pendanaan Terorisme bagi Bank Umum. Kesimpulan yang diambil dari penelitian ini adalah bahwa semua bank di Indonesia harus berperan dan bertanggungjawab atas penerapan Prinsip Mengenal Nasabah (Know Your Customer) yang telah diubah dengan Anti Pencucian Uang (APU) dan Pencegahan Pendanaan Terorisme (PPT) dalam upaya untuk mencegah tindak pidana Pencucian Uang dan Pendanaan Terorisme pada Bank Umum. Bentuk penerapan Anti Pencucian Uang dan Pendanaan Terorisme adalah permintaan informasi dokumen calon nasabah/nasabah, beneficial owner, verifikasi dokumen, costumer due diligence (CDD) penutupan hubungan usaha atau penolakan transaksi, Politically exposed persons dan area berisiko tinggi, pelaksanaan CDD oleh pihak ketiga, pengikinian dan pemantauan transaksi cross border correspondent banking, transfer dana, penatausahaan dokumen dan pelaporan.

The objectives of this research is to understand and to review/analyse all of regulations in regard with the money laundering act and the enforcement of prudential principle in a bank is knowing their customer wihich is already amended to be the Anti Money Laundering and Prevention of Terrorism Funding in order to prevent money laundering and terrorism funding within a bank and to identify on how the role and responsibility of a bank in order to prevent those wrong doing happened in the day to day activities in that bank. This research will apply a normative approach in order to get a deep understanding upon Indonesia Decree no 25/2003 about the amendment of Indonesia Decree no 15/2002 about The Money Laundering Act and Bank Indonesia Regulation no 3/10/PBI/2001 about The Enforcement of Knowing Your Customer Principle which is already amended by Bank Indonesia Regulation no 11/28/PBI/2009 about The Enforcement of Anti Money Laundering Program and The Prevention of Terrorism Funding for A Commercial Bank) The conclusion of this research is that all of banks in Indonesia have to play an active role and become responsible in the enforcement of Knowing Your Customer Principle which have been amended by Anti Money Laundering and Prevention of Terrorism Funding Principle in order to effectively prevent the money laundering and terrorism funding in a bank. The mode of application of these principle is mandatorily having to get information about the legal document of (the potential) customers; beneficiary owner; verification of bank documents, Customer due diligence, the rejection to do a suspicious transaction, politically exposed person and high risk country, asking a CDD by independent third party, updating and monitoring cross border banking transaction, fund transferring, a good filing of customers document and reporting.

Kata Kunci : Peran dan tanggungjawab bank umum, Pencegahan tindak pidana pencucian uang, pencegahan pendanaan terorisme.